PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

These terms tell you the rules for using our website: [www.Caruno.co.uk] (our site).

www.Caruno.co.uk is a site operated by Hippo Vehicle Solutions Limited T/A Caruno ("We"). We are registered in England and Wales under company number 06215364 and have our registered office at Trident Park, Trident Way, Blackburn, BB1 3NU. Our VAT number is 912 6673 22.

We are a Credit Broker not a Lender and can introduce you to a limited number of lenders. Subject to status and to UK residents only (excluding the Channel Islands). Individuals must be 18 or over. Guarantees and indemnities may be required. We typically receive a fixed commission calculated by reference to the vehicle model, product or amount you borrow, for introducing you to a lender but this does not affect the interest charged on the agreement, all of which are set by the lender. 

To contact us, please email compliance@caruno.co.uk or telephone our customer service line on 01254 919 000.

By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms, you must not use our site.

We recommend that you print a copy of these terms for future reference.

There are other terms that may apply to you

These terms of use refer to the following additional terms, which also apply to your use of our site:

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

We may update and change our site from time to time to reflect changes to our products and services, our customers’ needs and our business priorities. We will try to give you reasonable notice of any major changes.

Our general site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

Our site is only for users in the United Kingdom.

Our site is directed to people residing in the United Kingdom. We do not represent that content available on or through our site is appropriate for use or available in other locations.

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged (except where the content is user-generated).

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy, download, share or repost any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Images are for illustrative purposes only.

You shall not conduct, facilitate, authorise or permit any
text or data mining or web scraping in relation to our site or any services
provided via, or in relation to, our site. This includes using (or permitting,
authorising or attempting the use of):

The provisions in this clause should be treated as an
express reservation of our rights in this regard, including for the purposes of
Article 4(3) of Digital Copyright Directive ((EU) 2019/790).

This clause shall not apply insofar as (but only to the
extent that) we are unable to exclude or limit text or data mining or web
scraping activity by contract under the laws which are applicable to us.

This site, its content and any services provided in
relation to the same are only targeted to, and intended for use by, individuals
located in the United Kingdom (each, a “Permitted Territory”). By continuing to
access, view or make use of this site and any related content and services, you
hereby warrant and represent to us that you are permanently located in a
Permitted Territory. If you are not permanently located in a Permitted
Territory, you must immediately discontinue use of this Website, and any
related content and services.

The content on our site is provided for general information
only. It is not intended to amount to advice on which you should rely. You must
obtain professional or specialist advice before taking, or refraining from, any
action on the basis of the content on our site.

Neither we nor any third parties provide any warranty or
guarantee as to the accuracy, timeliness, performance, completeness or
suitability of the information and materials found or offered on this website
for any particular purpose. You acknowledge that such information and materials
may contain inaccuracies or errors and we expressly exclude liability for any
such inaccuracies or errors to the fullest extent permitted by law.

Your use of any information or materials on this website is
entirely at your own risk, for which we shall not be liable. It shall be your
own responsibility to ensure that any products, services or information
available through this website meet your specific requirements.

Although we make reasonable efforts to update the
information on our site, we make no representations, warranties or guarantees,
whether express or implied, that the content on our site is accurate, complete
or up to date.

We are not
responsible for websites we link to

Where our site may, from time to time, contain links to
other sites and resources provided by third parties, these links are provided
for your information only. Such links should not be interpreted as approval by
us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or
resources.

Our responsibility
for loss or damage suffered by you

Whether
you are a consumer or a business user:

We do not exclude or limit in any
way our liability to you where it would be unlawful to do so. This includes
liability for death or personal injury caused by our negligence or the
negligence of our employees, agents or subcontractors and for fraud or
fraudulent misrepresentation.

If you
are a business user:

We exclude all implied conditions,
warranties, representations or other terms that may apply to our site or any
content on it.

We will not be liable to you for
any loss or damage, whether in contract, tort (including negligence), breach of
statutory duty, or otherwise, even if foreseeable, arising under or in
connection with:

In particular, we will not be
liable for:

If you
are a consumer user:

Please note that we only provide
our site for domestic and private use. You agree not to use our site for any
commercial or business purposes, and we have no liability to you for any loss
of profit, loss of business, business interruption, or loss of business
opportunity.

We will only use your personal information as set out in
our <a href="https://www.caruno.co.uk/privacy-policy">Privacy Policy</a>.

We are not
responsible for viruses and you must not introduce them

We do not guarantee that our site will be secure or free
from bugs or viruses.

You are responsible for configuring your information
technology, computer programmes and platform to access our site. You should use
your own virus protection software.

You must not misuse our site by knowingly introducing
viruses, trojans, worms, logic bombs or other material that is malicious or
technologically harmful. You must not attempt to gain unauthorised access to
our site, the server on which our site is stored or any server, computer or
database connected to our site. You must not attack our site via a
denial-of-service attack or a distributed denial-of service attack. By
breaching this provision, you would commit a criminal offence under the
Computer Misuse Act 1990. We will report any such breach to the relevant law
enforcement authorities and we will co-operate with those authorities by
disclosing your identity to them. In the event of such a breach, your right to
use our site will cease immediately.

You may not create a link to our home page from another
website or document, without our prior written consent (such consent may be
given at our absolute discretion).&nbsp; If
our consent is given, you may link to our homepage, provided you do so in a way
that is fair and legal and does not damage our reputation or take advantage of
it.

You must not establish a link in such a way as to suggest
any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site in any website
that is not owned by you.

Our site must not be framed on any other site, nor may you
create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without
notice.

If you wish to link to or make any use of content on our
site other than that set out above, or you if you wish to request our consent
for you to create a link to our website, please contact <a href="mailto:compliance@caruno.co.uk">compliance@caruno.co.uk</a>.

Which country's laws
apply to any disputes?

If you are a consumer, please note that these terms of use,
their subject matter and their formation, are governed by English law. You and
we both agree that the courts of England and Wales will have exclusive
jurisdiction except that if you are a resident of Northern Ireland you may also
bring proceedings in Northern Ireland, and if you are resident of Scotland, you
may also bring proceedings in Scotland.

If you are a business, these terms of use, their subject
matter and their formation (and any non-contractual disputes or claims) are
governed by English law. We both agree to the exclusive jurisdiction of the
courts of England and Wales.

"Hippo Vehicle Solutions Ltd" (UK00003312875) and
"Caruno" (UK00003805935) (UK00003805938) are UK registered trade
marks of Hippo Vehicle Solutions Ltd. You are not permitted to use them without
our approval, unless they are part of material you are using as permitted under
<a href="https://www.caruno.co.uk/privacy-policy">How you may use material on our site</a>&nbsp;.

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